Refund Policy

1. Overview

This Refund Policy governs all refund requests for iQ-X assessment and coaching services provided by KTH Projects (Pty) Ltd t/a KTH-Tech (Registration No. 2025/627290/07), a company registered in the Republic of South Africa ("we", "us", "KTH-Tech").

All amounts stated in this policy are in South African Rand (ZAR) and include VAT where applicable. This policy should be read together with our Terms of Service and Privacy Policy.

2. Consumer Protection Act Compliance

This policy is subject to the Consumer Protection Act 68 of 2008 ("CPA"). Nothing in this policy limits, restricts, or waives any right conferred on consumers by the CPA, including but not limited to:

• The right to fair, just, and reasonable terms and conditions (Section 48);
• The right to cancel advance reservations, bookings, or orders (Section 17(2));
• The right to return defective or unsuitable goods and receive a refund (Section 56); and
• The right to cooling-off in respect of direct marketing transactions (Section 16).

Where any provision of this policy conflicts with the CPA, the CPA shall prevail.

3. Assessment Only (R999)

3.1 Before Starting the Assessment

If you have purchased the Assessment Only package and have not yet commenced the assessment (i.e., you have not answered any assessment items), you are entitled to a full refund provided the request is made within 7 (seven) calendar days from the date of purchase.

3.2 After Starting But Not Completing

If you have started the assessment but answered fewer than 25% of the total items, you are entitled to a 50% refund of the purchase price (R499.50). Once you have answered 25% or more of the assessment items, no refund is available as the digital product is considered substantially consumed.

3.3 After Completion

Once the assessment has been completed and your personalised career intelligence report has been generated and delivered, no refund is available. The digital product has been fully delivered and consumed.

3.4 Technical Failure

If a platform error, system outage, or other technical failure attributable to iQ-X prevented you from completing your assessment, you are entitled to either:

• A full refund of R999; or
• A free re-assessment at no additional cost.

Technical failures must be verified by our support team. Issues caused by your own device, internet connection, or browser are not covered under this provision.

Stage	Refund Entitlement
Not started (within 7 days)	Full refund (R999)
Started, <25% answered	50% refund (R499.50)
Started, 25%+ answered	No refund
Completed (report delivered)	No refund
Platform technical failure	Full refund or free re-assessment

4. Assessment + Coaching (R2,499)

4.1 Assessment Portion

The assessment component of the Assessment + Coaching package follows the same refund rules as the Assessment Only package described in Section 3 above.

4.2 Coaching Sessions — No Sessions Used

If you have not attended any coaching sessions, you may request a refund of the coaching portion (R1,500). This request must be made within 30 (thirty) calendar days from the date of purchase. The assessment portion is subject to the rules in Section 3.

4.3 Coaching Sessions — Partially Used

After your first coaching session, remaining unused coaching sessions are refundable at R500 per session. The refund is calculated as the number of unused sessions multiplied by R500.

4.4 Missed Sessions

Coaching sessions that are missed without providing at least 24 hours' prior notice are forfeited. No refund is available for missed sessions. Rescheduling is available if you notify us at least 24 hours before the scheduled session.

Stage	Refund Entitlement
Assessment not started (within 7 days)	Full refund (R2,499)
Assessment started, coaching unused (within 30 days)	Assessment per Section 3 + R1,500 coaching refund
After 1st coaching session	Assessment per Section 3 + R500 per unused session
Coaching session missed (<24h notice)	Session forfeited, no refund

5. School Programme (Custom Pricing)

Refunds for the School Programme are governed by the separate institutional agreement entered into between KTH-Tech and the subscribing school or educational institution. Standard consumer refund terms in this policy do not apply to institutional purchases unless expressly stated in the institutional agreement.

Schools and educational institutions should direct all refund queries to enterprise@kth-tech.com.

6. How to Request a Refund

To request a refund, send an email to enterprise@kth-tech.com with the subject line:

Refund Request — [Your Full Name]

Your email must include the following information:

1. Your full name;
2. The email address used for registration;
3. Date of purchase;
4. The product or package purchased (Assessment Only or Assessment + Coaching); and
5. The reason for your refund request.

We will acknowledge receipt of your request and respond with a decision within 5 (five) business days.

7. Refund Processing

Once a refund has been approved:

• The refund will be processed within 10 (ten) business days from the date of approval;
• Funds will be returned to the original payment method used at the time of purchase;
• All amounts are in South African Rand (ZAR); and
• You will receive email confirmation once the refund has been processed.

Please note that your bank or payment provider may take additional time to reflect the refund in your account. KTH-Tech is not responsible for delays caused by third-party payment processors.

8. Non-Refundable Items

The following are non-refundable under this policy:

• Completed assessments where a personalised career intelligence report has been generated and delivered;
• Coaching sessions that have been attended;
• Coaching sessions missed without providing at least 24 hours' prior notice;
• Custom School Programme fees once assessments have been administered to learners; and
• Any product or service where the refund request is made outside the applicable time period specified in this policy.

9. Disputes

If you are not satisfied with the outcome of your refund request, you may follow this escalation process:

1. Step 1 — Internal Escalation: Request that your matter be escalated to KTH-Tech management by replying to your refund correspondence or emailing enterprise@kth-tech.com with the subject line "Refund Escalation — [Your Name]". Management will review your case and respond within 10 (ten) business days.
2. Step 2 — External Resolution: If the matter remains unresolved after internal escalation, you may lodge a complaint with the Consumer Goods and Services Ombud (CGSO) in terms of Section 70 of the CPA:
   • Website: www.cgso.org.za
   • Toll-free: 0860 000 272
3. Step 3 — National Consumer Commission: You may also refer the matter to the National Consumer Commission (NCC) or approach a court of competent jurisdiction, as provided for in the CPA.

10. Contact

For any questions regarding this Refund Policy, or to submit a refund request, please contact us:

This policy was last updated on 28 October 2026 — Version 2.0. We reserve the right to amend this policy from time to time. Any changes will be posted on this page with an updated effective date.